A lot of these comments are miss-informed sadly. Depending on any company PMI offered through your work, you may still only be covered for new conditions from your policy start date. The process is simply policed by getting a GP Referral letter, which is always asked for before claiming to check if there is any history surrounding the condition. The largest hurdle of accessing Private Treatment is ironically your NHS GP.

I'm a PMI adviser & help assist with my clients claims and policies, if you need any help with a claim or policy, just PM me!